JCAP
Jefferson Capital Inc
$23.47
▲ 0.6%Updated Today 11:10 AM ET
JCAP at a glance — five pillars scored 0–100 from real filed financials.
Overall: Unrated · 0/100. A wider, greener shape means more pillars look healthy. Dividends scores 0 when a company pays none — that is a choice, not a flaw.
Market Cap
$0.00
P/E
—
Forward P/E (est.)
—
ROE
—
Revenue Growth
—
EPS Growth
—
Profit Margin
—
FCF Yield
—
Debt / Equity
—
ROIC
11.0%
Interest Coverage
—
Current Ratio
—
Dividend Yield
—
Implied Growth (rev. DCF)
—
Rating Score
0/100
Jefferson Capital Inc (JCAP) is a small-cap company in the Financial Services industry, part of the Financials sector of the S&P 500.
In its latest reported year it generated about $613.29M in revenue and $187.97M in net profit.
Our model rates JCAP Unrated (0/100) on growth, profitability, financial health, and valuation. The summary below is built from its filed financials and current ratios and refreshes automatically.
2Y CAGR
37.8%
Revenue moved from $323.07M in 2023 to $613.29M in 2025, a 37.8% compound annual growth rate. The most recent year was roughly steady year over year. Slower, mature growth is common for established businesses.
Gross Margin
—
Operating Margin
51.6%
Net Margin
30.6%
ROE
—
Total Debt
$1.75B
Net Debt
$1.73B
Net Debt / EBITDA
5.48x
Debt / Equity
—
Leverage: debt-to-equity is n/a. Detailed balance-sheet leverage is limited for this name. It carries roughly $1.75B of total debt against $20.41M of cash.
Operating CF
$268.81M
Free Cash Flow
$268.81M
FCF Margin
43.8%
In the latest year Jefferson Capital Inc produced about $268.81M of operating cash flow and $268.81M of free cash flow after capital spending. Cash flow is what ultimately pays shareholders, so it is worth tracking over time.
Can the payout survive a bad year? Scored from filed cash flow, earnings coverage, and the raise/cut record.
The payout is comfortably covered by cash the business actually generates, with a raise habit behind it.
Per share (latest FY)
$0.98
Total paid (latest FY)
$63.45M
History on record
3 years
dividend uses 24% of free cash flow
34% of net income paid out
total dividends increased 2 years in a row
no cuts in the last 3 years on record
Coverage uses the latest fiscal year as filed with the SEC; the streak counts total dollars paid (per-share figures can carry split artifacts). Educational information, not income advice.
P/E
—
P/S
—
P/B
—
EV / EBITDA
—
JCAP trades at n/a trailing earnings. With no positive trailing earnings, value it on sales, cash flow, or growth rather than P/E.
Where JCAP sits versus its Financials sector peers in the S&P 500.
Bands show the middle half (25th–75th percentile) of the 141 Financials companies in the S&P 500 — the peer-relative anchor professional comps analysis uses. Context only — not investment advice.
How JCAP stacks up against its Financials peers — valuation, profitability, and growth versus the sector median.
In the Financials sector (289 S&P 500 companies), JCAP ranks #216 of 289 by our overall rating.
P/E vs sector
—
median 15.6x
ROE vs sector
—
median 13.6%
Growth vs sector
—
median 15.9%
Sector rank
#216
of 289 by rating
Peers are the closest Financials companies by sub-industry and size. Sector median is across all 289 S&P 500 names in the sector. Educational, not a recommendation.
Project revenue → earnings → price. Edit the assumptions to build your own case.
2030 price target (Base Case)
$0.00 – $0.00
vs. $23.47 today · expected CAGR 20% – 33%
| Metric | 2026 | 2027 | 2028 | 2029 | 2030 |
|---|---|---|---|---|---|
| Revenue | $662.35M | $715.34M | $772.57M | $834.37M | $901.12M |
| Net income | $205.33M | $221.76M | $239.50M | $258.66M | $279.35M |
| EPS | $3.58 | $3.86 | $4.17 | $4.50 | $4.86 |
| Share price (low) | $42.91 | $46.34 | $50.05 | $54.05 | $58.37 |
| Share price (high) | $71.51 | $77.23 | $83.41 | $90.08 | $97.29 |
| CAGR (low–high) | 83% / 205% | 41% / 81% | 29% / 53% | 23% / 40% | 20% / 33% |
Educational model on sample fundamentals — not a forecast or investment advice. Outputs are only as good as your assumptions.
The case for JCAP:
- As an established S&P 500 member in Financials, it brings scale and a long operating history.
The case against JCAP:
- Like any single stock, it is exposed to competition, the economic cycle, and shifts in its end markets.
Market risk — sector rotation, the economic cycle, and broad sentiment move the stock regardless of fundamentals.
On balance, the picture is mixed: Jefferson Capital Inc is a small-cap financials business growing at a mature pace, with modest profitability, and a heavier debt load to watch. It trades at n/a earnings, which our model scores Unrated (0/100). Weigh this against your own goals and time horizon — this is educational information, not a recommendation.
Analyst Ratings
What 13 Wall Street analysts covering JCAP recommend (August 2026). Consensus is a useful sanity check — not a substitute for your own homework.
Latest SEC Filings
JCAP's most recent filings, straight from SEC EDGAR. Annual and quarterly reports are the deep dives; 8-Ks flag material events the moment they happen.
JCAP — frequently asked questions
Is JCAP a good stock to buy?
We don't give buy or sell advice. Review Jefferson Capital Inc's fundamentals, valuation, and 5-year financials on this page, then make your own decision — and consider a licensed professional.
Where does JCAP's data come from?
Live price data plus real fundamentals and 5-year financials pulled directly from Jefferson Capital Inc's SEC filings — refreshed automatically, not hand-entered.
How is the 5-year projection for JCAP calculated?
It's a scenario model: it grows revenue at an assumed rate, applies a profit margin and a valuation multiple, and shows the resulting share-price range. The assumptions are yours to change — it's a tool for thinking, not a prediction.
Is this JCAP analysis financial advice?
No. Everything on this page is educational research, not financial advice or a recommendation to buy or sell JCAP. Always do your own research and consider a licensed professional.
Data notice. Fundamentals and financial statements are sourced from company filings (SEC EDGAR) and market-data providers; prices and market caps refresh on trading days and may be delayed. Ratings, projections, technical signals, and written summaries are model- or rule-generated for education and may simplify or lag the latest filings.
Not advice. Nothing on this page is investment advice or a recommendation to buy, hold, or sell any security. Do your own research and consult a licensed financial professional before investing.